Are Home Warranties Worth It for White Plains Residents?
Home warranties are worth it for White Plains residents. White Plains summers can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
White Plains also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
The frequent rain in White Plains can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, your home warranty will connect you with trustworthy service providers.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking the best home warranty plan for you.
We requested 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.
You can look for a home warranty plan that covers specific appliances and systems. Determine whether you want coverage for major systems (such as heating), specific appliances, or both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Usually, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, routine maintenance, defects, or theft aren't covered either. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your protection plan's exact terms and conditions.
Provider reputation is another important factor to consider. You can browse customer reviews on sites like Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles claims and customer service. Check with the New York Division of Consumer Protection to verify that a provider holds a license with the state.
Take into account a home warranty company's service provider network. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Rural homeowners may consider choosing a home warranty provider that lets customers choose their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in White Plains
Is a home warranty required in White Plains?
What are preexisting conditions?
What is White Plains' best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
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